Let’s face it: most people don’t really understand travel insurance. They’ve either never bought it, only buy it when forced, or think it’s just “another way to take your money.” And that mindset? It’s exactly why travelers get stuck with massive bills, zero support, and stress they could’ve avoided. Here are the 5 most common myths that might be floating in your head—and why they’re flat-out wrong.
🧠 Myth #1: “I’m healthy, I’ll be fine.”
That’s great—but travel insurance isn’t just about you getting sick.
What if:
- Your child gets food poisoning?
- You crash a rental scooter?
- A relative back home passes away and you have to fly back?
Even the healthiest people can’t predict accidents, weather, or life.
💳 Myth #2: “My credit card covers me.”
Maybe. But have you read the fine print?
Most credit card insurance:
- Has strict conditions
- Only kicks in if the trip was bought using that card
- Covers way less than you think (sometimes $25K when you need $1M+)
So before relying on that “free” coverage—know what’s actually included.
🇨🇦 Myth #3: “I’m Canadian, healthcare’s free.”
Yes—in Canada.
But the second you step outside your province or country, your provincial health plan covers almost nothing.
And if you're visiting Canada? It’s even worse. One broken bone could cost $10,000+. (ER visits here aren’t free for tourists.)
🎲 Myth #4: “What are the odds anything will happen?”
Way higher than you think.
Flight delays. Lost bags. Cancelled Airbnbs. Stolen phones. Even if it’s not life-threatening, it can still wreck your plans and your budget.
Travel insurance isn’t betting on disaster—it’s buying peace of mind.
💰 Myth #5: “It’s too expensive.”
A decent plan can cost less than dinner for two. Often, it’s about $40–60 for a short trip.
Compare that to:
- $500+ for lost baggage replacement
- $1,200+ for a missed flight
- $30,000+ for overseas surgery
Now tell me again which one is expensive.
So… What’s the Smart Move?
The smart travelers? They get insured before leaving their driveway.
✔️ They know their medical, baggage, and cancellation options ✔️ They don’t wait for a problem—they prevent it ✔️ And they travel with a calm mindset, no matter what happens
Because insurance isn’t just protection. It’s freedom from worry when you're far from home.
Thinking of skipping it “just this once”? That’s what every regret story starts with.
So don’t make the same mistake. Protect yourself. Your trip. Your people.
You’ll thank yourself when things don’t go according to plan.